Wilshire Capital Group Review

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Wilshire Capital Group has the goal of becoming a leader in the precious metals industry. The Los Angeles-based company offers investors gold and silver products in addition to precious metal IRAs and self-directed IRAs.

Wilshire Capital Group also provides its customers with a wealth of information about gold, silver, and retirement plans to help them make informed decisions about their investments. 

This review aims to give prospective Wilshire Capital Group customers some insight into the company. This insight can give potential customers the information they need to make an informed decision about investing their money in this company.

This review will discuss the company's background and products to give customers a full view of Wilshire Capital Group.

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What is Wilshire Capital Group?

wilshire capital homepage

Wilshire Capital Group describes itself as a leader in the precious metals sector. They can assist anyone in protecting their assets if they have a self-directed IRA, 401(k), 403(b), or any tax-advantaged retirement plan.

They specialize in precious metal IRAs, but they also offer self-directed IRAs.  Self-directed IRAs enable investors to diversify their portfolios by including precious metals and other alternative investments.

They also help customers purchase precious metals and will deliver these commodities to the investor's residence.

In addition, Wilshire Capital Group has representatives who can assist investors by buying gold and silver products with their checking or savings accounts. 

One drawback to viewing Wilshire Capital Group's website is that there needs to be a mention of the company's history or the management team.

A company's history and management team can be essential information for prospective customers who want to do business with people they know. Fortunately, Wilshire Capital Group provides plenty of information about its products and services.

They also provide information about their ratings, which include an AAA rating from the Business Consumer Alliance and an A+ rating from the Better Business Bureau. The Wilshire Capital Group also has over two billion transactions.

Investor Education

Wilshire Capital Group also educates its customers on the important reasons for diversifying their retirement savings with precious metals like gold and silver. In addition, prospective customers can speak with one of the company's specialists.

They can address any worries and provide information on using precious metals to preserve retirement assets.  The specialists at Wilshire Capital Group will work to ensure that customers are confident about their decisions with all available options.

Plus, they will walk customers through all the benefits and drawbacks of investing in precious metals, so they have all the information about the entire process. 

Wilshire Capital Group's education section on its website has a wealth of information. Here is a sample of what potential customers will find:

Why Invest in Precious Metals?

Precious metals are tangible assets that you can own and possess. As a result, precious metals can also lower the overall risk of an investment portfolio. 

What are the benefits of owning precious metals? 

Wilshire Capital Groups lists several benefits of owning precious metals:

Diversification – Having a balanced investment portfolio is a sound strategy that can secure substantial profits. 

Hedge Against Inflation – Gold and silver helps preserve purchasing power during economic uncertainty. 

Privacy – Gold and silver purchases are private and do not involve any government agencies. 

Liquidity – Gold and silver can be bought and sold anywhere in the world without the restrictions of other investments. 

Growth Potential – Gold and silver are finite resources that enable them to grow in value and provide investors with significant returns. 

Supply and Demand – The demand for gold, silver, and other precious metals continues to increase, which increases their value.  

Wilshire Capital Group also has sections that describe the different types of precious metals and the differences between bullion, numismatic, and semi-numismatic.

This information can help customers new to precious metal investing make the best choice for their retirement needs.

Wilshire Capital Group Products

explanation of different types of gold to buy

The 'Products' section of Wilshire Capital Group's website only features gold and silver, but the website also mentions platinum and palladium.

As a result, customers can benefit from Wilshire Capital Group's knowledge to make wise decisions regarding buying precious metals products and assembling a broad asset portfolio. 

They will also advise customers on diversifying their investments, purchasing gold coins, and acquiring other precious metal goods.  There are several ways investors can buy gold through Wilshire Capital Group so they can diversify their investments:

Bullion Bars – Investors can purchase these bars in bulk and trade them in any major market.

Bullion Coins – Investors can buy these legal tender gold coins valued by weight and have a design valued by weight. 

Premium Numismatic Coins – Investors collect these coins because of their rarity, artistry, and limited availability.

A few of the gold coins and bullion Wilshire Capital group has available include:

  • Gold bars and rounds
  • Valcambi CombiBars
  • South African Krugerrand
  • Canadian Gold Maple Leaf
  • American Gold Eagle (proof or bullion)

Wilshire Capital Group also has an extensive offering of silver products. Silver is a well-known and widely traded commodity, providing an affordable way to diversify a precious metal portfolio.

Plus, silver has always been in great demand. As a result, investors covet silver as an investment option and a collector's item.  Silver is also widely used in various industries because of its usefulness as an electrical conduit.

Silver is frequently used in manufacturing circuit boards, phones, televisions, solar panels, batteries, medical equipment, microwaves, hearing aids, DVDs, and much more.

With its appeal as both a collectible and an industrial commodity, silver occupies a special place among precious metal investors. This appeal ensures the demand for silver will remain high. 

Customers can buy silver coins, bars, bullion, and rounds at Wilshire Capital Group. Coins are the most popular among silver investors because they are easy to carry and store. Investors can quickly convert silver for cash.

Government-issued silver coins are accepted as legal and negotiable currencies worldwide. A sample of the silver products Wilshire Capital Group offers include:

  • Silver bars and rounds
  • America the Beautiful silver series
  • American Silver Eagle (proofs and rounds)
  • Morgan Silver Dollar
  • Silver Rose Crown Guinea

Wilshire Capital Group's Self-Directed IRAs

Many investors have heard about people investing in gold and silver for retirement. The best way to do this is to open a self-directed IRA with Wilshire Capital Group and add physical gold and silver into the account.

The popularity of self directed gold IRAs is the result of retirees constantly looking for strategies to safeguard and diversify their retirement assets. However, many retirees need to be aware of self-directed IRAs and how they can be advantageous. 

Fortunately, the staff at Wilshire Capital Group can advise customers on the benefits of having a self-directed IRA and the types of investments they can have in the account.

The Wilshire Capital Group does an excellent job of educating retirement investors on what a self-directed IRA is and how it works. A self-directed IRA puts investors in complete control of their investment decisions.

It enables them to diversify their retirement savings. Self-directed IRA owners can invest in stocks, bonds, and mutual funds. They can also have alternative investments, like precious metals, real estate, private equity, raw land, and cryptocurrencies.

Wilshire Capital Group has a five-step method for opening a self-directed IRA:

  • Establishing a Self-Directed IRA

The staff at Wilshire Capital Group will guide customers through the simple process of setting up a self-directed IRA with the company's partner custodian. 

They will assist customers with the paperwork and everything else that is needed to set up the account.

In only 24 hours, a customer will have an open account, an account number, internet access, and a welcome letter that will provide more information about the self-directed IRA.

  • Funding a Self-Directed IRA

Once the account is set up, one of Wilshire Capital Group's professionals will assist the customer with filling out the necessary paperwork to transfer their assets.

There are no taxes or penalties during the entire rollover process. Plus, moving money to a self-directed IRA has no financial consequences.

Investors can roll over a Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, 401(k), and other qualified accounts.

  • Education on Precious Metals

Depending on the custodian and type of account, the rollover process could take 3 to 10 business days.

One of the specialists at Wilshire Capital Group will contact the customer to provide them with an update after depositing the assets in the self-directed IRA.

They will also educate the customer on all precious metals, regardless of their level of expertise, and may offer recommendations based on their investment objectives and current financial position.

  • Buy and Store Precious Metals in a Depository

One of the specialists at Wilshire Capital Group will confirm what type of precious metals the customer wishes to hold inside their self-directed IRA before guiding them through the necessary paperwork.

Wilshire Capital Group will deliver on the customer's behalf to the depository of their choice when the purchase is complete. Customers can choose from a list of depositories where they want to keep their gold and silver.

Two of Wilshire Capital Group's depositories include the Delaware Depository and Brink's Global Service.

  • Maintaining Contact with the Custodian

Although a customer will not frequently communicate with their self-directed IRA custodian, they are still crucial to managing their retirement account. Custodians are financial institutions and oversee the storage of assets in a customer's account.

Additionally, the custodian assists with documentation management, withdrawal execution, and transaction completion. Strata Trust Company is Wilshire Capital Group's custodian.


There needs to be fee information on Wilshire Capital Group's website. In addition, customers will need to visit the websites of the depositories and custodians that the company works with to get fee information.

Final Thoughts

Wilshire Capital Group is a good place to purchase precious metals like gold and silver. Their website provides a wealth of information about precious metal investing and self-directed IRAs.

They are also a highly-rated company with positive reviews.

However, their website needs to include information about the company's history, CEO, and management team so that customers can know a little more about the company.

Customers who want to purchase precious metals should consider working with this company.

Wilshire Capital Group is an acceptable company, they are not a scam, but we do not recommend them.  There are too many unknowns with this new company.  

If you're looking for a quality precious metals dealer to diversify your portfolio, it will make more financial sense to move forward with a more reputable company, like the ones we compared in our Best Gold IRA Companies article.

You can get a Free Gold Investors Guide from our top gold and precious metals company recommendation by clicking the link above or you can read our article of the top companies we reviewed this year:

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